Senior Credit Risk Analyst

4 weeks ago


Buffalo, New York, United States M&T Bank Full time
Job Title: Senior Credit Quality Assurance Analyst

This role operates in the 2nd line of defense, embedded in the Credit Risk Department within the Risk Division. The primary responsibility is to analyze and monitor the credit quality and loan exposure for assigned commercial loan portfolios, with a focus on problem credits.

Key Responsibilities:
  • Review and evaluate the accuracy of individual risk ratings on assigned problem loan portfolios from a 2nd line perspective.
  • Communicate regularly with business line management and/or relationship managers regarding high-risk and/or problem loans in their portfolio.
  • Assist in developing near-term forecasts for movements into and out of non-accrual status and potential charge-offs and recoveries.
  • Participate in and/or observe quarterly problem loan meetings to ensure processes are completed accurately.
  • Collaborate with Credit Accounting to confirm impairment reserves for problem portfolios.
  • Assist with special projects and perform additional duties as required.
  • Develop and execute strategies to provide better insight into portfolio risk.
  • Prepare written documents and escalate material findings to management.
  • Assist with targeted Bank Examinations as required.
  • Adhere to applicable compliance/operational risk controls.
  • Promote a diverse and inclusive work environment.
  • Maintain M&T internal control standards.
Requirements:
  • Minimum 7 years of experience in commercial credit, lending, finance, accounting, and/or audit.
  • Bachelor's degree in a business-related curriculum or 8 years of experience in lieu of degree.
  • Microsoft software proficiency, including Outlook, Excel, Word, PowerPoint, and Access.
  • Effective communication and analytical skills.
  • Ability to multi-task and prioritize work within established timeframes.
  • Strong understanding of credit policies and guidelines.
Preferred Qualifications:
  • MBA preferred.
  • Ability to work independently with minimal oversight.

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $100,611.94 - $167,686.57 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.



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